Applicable Cash Advance Card Types 

Cash advance requests on cards containing a Visa, MasterCard or Discover logo are accepted. 

Do not process cash advance request for American Express, including CCB American Express cards.

As a member of the VISA network, CCB is required to offer cash advances on cards with a Visa, MasterCard, or Discover logo that include, but not limited to, un-embossed cards, cards with generic identifiers or no cardholder name (for example: the cardholder's name may or may not be embossed or printed on the card).

Per Visa, MasterCard and Discovery requirements, CCB is not allowed to charge a fee for Cash Advance transactions. Examples include cards issued as Payroll, Unemployment Benefits and Tax Refunds. Refer to Cash Advance Quick Reference Guide.

CCB Client Cash Advance Limits 

There is no minimum or maximum limit for CCB clients (any amount authorized by Visa, MasterCard or Discover card provider).

Cash Advance Cautions 

• Do not call any number on the back/front of the cardholder's card at any time, for any reason.
• Do not speak to or call any number the cardholder may request. 
• Never use a cell phone handed to you by the client with the verifying company on the line.
• All information and authorization pertaining to a cash advance request is issued directly from the cash advance terminal and/or from the telephone numbers located on the terminal.
• When speaking to a representative, you are required to provide our Merchant Account number that is located on the terminal.

Cash Advance Identification Requirements 

Obtain personal identification from the cardholder. The identification must be an official Government issued document. Refer to Identification Verification procedures. The identification must bear the following:

• Cardholder Signature; or
• Cardholder photograph; or
• Cardholder's signature and photograph; and
• If an expiration date is indicated on the document, that document must not be expired.

Cash Advance Processing 

After examining the cardholder's ID and card, process the request in the Cash Advance Terminal.

Important note: If the card contains an EMV chip, you are required to insert the card into the terminal and leave it in until the transaction is completed.

• If the EMV chip does not register once the card is inserted into the machine, DO NOT CONTINUE. 
• DO NOT swipe the card to process the transaction. 
• Refer the client to the issuing bank. If they insist they need cash, refer them to the nearest SATM/ITM location, where they are required to enter a pin.

If the card does not contain an EMV chip, do the following:

1. Swipe the card in the cash advance terminal.
2. Read and follow all instructions, messages and prompts from the terminal.
3. Process the transaction for the requested amount. 
   • If the amount the client requests is not available, the terminal will display Declined.
   • If this occurs:
     • Communicate to the client the requested amount is different from the available balance.
     • Advise client to call the number on the back of the card to obtain the current available balance.
4. If the terminal directs you to call the authorization center (Call Auth Center):
   • Call the number located on the terminal.
   • Follow all directions as received from the call center.
5. If the terminal is unable to read a swiped card:
   • If the card is un-embossed (does not have raised lettering/numbers), the transaction cannot be processed. 
     • Financial institutions are exempt from making manual cash disbursements on un-embossed cards only.
   • If the card is embossed (raised letters/numbering), manually key the request into the terminal.
     • If a manual keyed transaction (embossed card only) is authorized, an imprint of the credit card is mandatory on a manual Cash Disbursement Draft. Refer to the Manual Cash Advance accordion below.
6. The terminal prompts for transaction information and instructions.
7. Follow all terminal instructions.

Declined Cash Advance 

For a cash advance declined at a terminal or call center:

• Return the card to cardholder, explaining the request was declined.
• Do not attempt in any manner to further process another request with the card, (for example: the same amount or another amount).
• If the transaction is Declined and the screen displays Hold Card. 
  • Call the Elavon Cash Advance Customer Service number located in Who To Contact for further instructions.

Approved Cash Advance 

When a request is authorized (terminal or call center), a Cash Advance Disbursement transaction receipt (Merchant Copy) prints from the terminal. The approval code (Appr Code) is printed on the receipt.

Enter all of the information below on the Cash Advance Transaction receipt in the space provided. If additional space is needed, write on the back of the form (for example: address). Print legibly in ink.

• Name - Cardholder Name
• ID Type - Description of the identification viewed
• Digits - Last 4 digits of embossed or printed account number, comparing it to the last 4 digits that printed on the top of the receipt
• Address - Cardholder address (USA - Street, City, State, Zip); (Foreign ID - All information applicable)
• Cardholder Signature IS REQUIRED

Merchant Copy and Client Receipt

In addition to the printed Merchant Copy, print the client a receipt from the terminal (client copy). The cardholder must sign the Merchant Copy (bank copy). Verify the following information on the Merchant Copy (bank copy).

• Compare the signature on the transaction receipt with the signature on the cardholder card and the ID presented.
• On the card, compare the four digits of the embossed or printed account # to the four digits printed above or below the account #.
• Compare the last four digits of the account # printed on the transaction receipt (Merchant Copy) and match it to the last 4 digits on the card.

If any of the above information does not match, call in a Code 10 as described in the Cash Advance Quick Reference Guide, Cash Advance Application. Each office should have a copy of the guide in a prominent place near the cash advance terminal.

Terminal Settlement 

A Cash Advance Settlement is to be performed with EACH Cash Advance transaction. Once the terminal is settled, the cash advance cannot be changed or voided. The authorized amount is what the client receives, even if they change their mind. 

Note: If after settling a transaction it is identified the individual is a non-client, contact Retail Support for further instructions.

To settle a terminal, do the following: 

• Select SETTLEMENT.
• Press ENTER.
• Totals display and/or print.
• Confirm the total matches the Cash Advance transaction.
  • If total does not match current Cash Advance transaction, this would indicate a previous Cash Advance transaction was not settled.
  • Locate the outstanding Cash Advance transaction to include with this settlement and process together. See Exception - Multiple Transactions accordion below for more information.
• Press ENTER to accept and print the settlement report for this transaction.

Transaction Entry Requirements 

If approved, inform the client that the cash advance has been approved and confirm the amount. Once the cash advance settlement has been completed, it cannot be reversed or voided. 


For clients requesting cash withdrawal/deposit to DDA - Speed Key # - Card Advance, do the following: 

Note: Funds are not posted as available funds until end of day processing occurs.

• Do not use a bank GL debit or another office's preprinted GL debit. Complete a Cash Advance General Ledger Debit with the following information and scan the ticket:
  • Date
  • Office Name/Office #
  • Visa/MC Office ID#
  • Batch #
  • Last 4 digits of card
  • Total
  • Entered By (first initial/last name and phone extension)
  
  
• In the account field, enter the client's account number. This is a required field.
  • Do not enter the client's credit card number
• In the Instrument field, enter the first initial/last name of the client requesting the cash advance.
• In the Authcode/Batch # field, enter the authorization code and the last 4 digits of the credit card number.
  • In the ID Number field, record ID per client ID procedures.
• In the ID Expiration Date field, record the expiration date of the ID presented.
• In the DDA/SAV Deposit field, enter the amount of the cash advance being deposited into the Checking/Savings account, this will create a virtual deposit slip.
• In the Cash Out field, enter the amount of the cash advance given out in cash.

In order to meet Capital City Bank BSA requirements, associates are required to obtain Benefactor/Transactor personal and identification information on cash advances over $3,000. The system automatically prompts for this information. DO NOT OVERRIDE this requirement.

Exception - Multiple Cash Advance Transaction

If an associate failed to settle a cash advance transaction prior to another cash advance transaction being processed, the multiple transactions must be processed together as one settlement.

• Gather the signed transaction receipts for the multiple cash advance transactions for settlement.
• Verify/confirm the Merchant Copies and signed receipts are in balance with the terminal totals.
  • Print a cash advance Totals Report, verify the totals.
• If totals match, proceed with the Transaction Settlement process as listed above. If they do not match, locate any missing cash advance transactions.
• If necessary, complete a pre-printed office specific Cash Advance Settlement Account GL Debit for the multiple cash advance transactions.
• The following information is required:
  • Date
  • Office Name/Office #
  • Visa/MC Office ID#
  • Batch #
  • Total
  • Entered By (first initial/ last name and phone extension)

Cash Advance Document Retention

Retain the following items in the office for 2 years. These can be kept in a dated envelope, by the day or the month. If contacted for research purposes by Financial Accounting, copies are scanned and emailed.

• Settlement Report (printed after each cast advance settlement).
• Printed Merchant Copy's signed by Cardholder (attach hard copy of imprinted draft if applicable).

Cash Advance Office ID Number